N26 You
A debit card for at home and anywhere else
Enjoy a premium account that covers both your everyday needs and trips abroad — for just €9.90 per month, with no hidden costs. Sign up today, and choose your N26 debit card in one of five modern colors.
Premium banking for daily life
N26 You is a premium bank account that's got you covered. Handle your finances instantly with the N26 mobile app — send payments and bank transfers, create standing orders, and track all of your transactions with real-time push notifications. Add your N26 debit card to your mobile wallet so you can spend from your smartphone. Plus, get full peace of mind when you travel, since you’re covered by a wide travel insurance package — whether you're driving a few hours or flying around the world.
Earning interest on your savings
No deposit limits, easy access, and simple conditions. With N26 Instant Savings, you get a flexible savings account at no added cost — directly in your N26 app.
N26 You customers collect 2.8%* p.a. interest on their savings. Want 4% p.a.? Get N26 Metal.
More about the Instant Savings account
A colorful Mastercard debit card
Pick from 5 eye-catching colors for your contactless Mastercard — Ocean, Sand, Rhubarb, Aqua, and Slate.
The bank account with no surprise costs
Make payments stress-free, knowing that you won't be hit with hidden fees. Your N26 You card lets you pay in foreign currencies worldwide — without any extra charge. Plus, we use the real Mastercard exchange rate, so you won't pay more than you should.
Medical emergency cover
N26 You covers you in case of medical emergencies abroad. It also includes insurance for your partner and children, with access to 24/7 medical phone assistance.
Trip curtailment or cancellation
If you can’t make it to the airport, or must shorten your stay due to unforeseen circumstances, we have you covered.
Flight delay insurance
We all know that time is money. With N26, don’t get caught out—receive compensation in case of flight delays of more than 4 hours.
Insurance for delay and theft of luggage
Don’t get stuck without your essentials. Claim compensation if your luggage is delayed or lost, or if your flight is more than 4 hours late.
Emergencies when travelling
Travel medical insurance up to €1,000,000 for you, your partner and kids in case of emergencies, including dental and winter sports***.
Personal liability while traveling
Coverage up to €500,000 for Travel Liability in case you’re legally liable for damage to a third party or their property during a trip.
Customer Support is here to help
Whatever assistance you need, our Customer Service team is here to help. Chat with them directly through your N26 mobile app or the WebApp on your desktop. Prefer to find answers yourself? Our Support Center is packed with helpful articles and FAQs.
Visit our Support Center
Leap into the future with N26 Metal
Level up to a premium banking experience, complete with a sleek metal card, additional insurance, exclusive partner offers, and lots more.
Upgrade to N26 Metal
Need a backup card? Easy.
Sometimes two cards are better than one. Order an extra Mastercard that's linked to your main account, so you always have access to your cash — no waiting for a replacement if your card goes missing.
Discover a premium banking experience with N26 You
Open your account for only €9.90 per month, and get a personalized Mastercard debit card. Manage your finances in real-time from your smartphone without any hidden costs, and benefit from a range of travel insurance and everyday lifestyle cover.
Frequently asked questions
- What are the benefits of an N26 You account?
- How do I open an N26 You bank account?
- Is the N26 Mastercard a debit card, a credit card or a prepaid card?
- How to get my debit card?
- How much does the N26 You bank account cost?
- What kind of travel insurance does the N26 You bank account offer?
- Do you charge foreign transaction fees?
- What are the advantages of Mastercard Travel Rewards?
*Deposits on the N26 savings account are remunerated at the gross annual nominal rate of 4% for the N26 Metal account, 2.8% for the N26 Standard, N26 Smart and N26 You accounts. Prices are subject to change at any time by N26.
The offer is provided under the German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, more info here.